Federal credit union · LOCKPORT, New York · NCUA charter #17372
Lockport Schools & Community
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $26.3M
- Total assets
- 1,693
- Members
- 7.8%
- Net-worth ratio
Lockport Schools & Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #17372, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Lockport Schools & Community - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)81
- Asset quality (delinquency)96
- Earnings (ROA)100
- Member growth71
- Liquidity (loan-to-share)91
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
7.75% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.75% | 30% |
| Delinquency Rate | 0.61% | 25% |
| Return on Assets | 0.50% | 15% |
| Member Growth | 1.38% | 15% |
| Loan-to-Share Ratio | 64.01% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $26.3M | 1,693 |
| 2024Q4 | $24.5M | 1,670 |
| 2023Q4 | $24.5M | 1,625 |
Credit Union Details
- Charter Number
- 17372
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- LOCKPORT
- Data Quarter
- 2025Q4
What This Data Says About Lockport Schools & Community
Headquartered in LOCKPORT, New York, Lockport Schools & Community is a federal credit union with 1,693 members, $26.3M in total assets, and $15.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 88/100 (Excellent), driven in part by a net worth ratio of 7.75% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #17372 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 64.01% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.61% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.50% on net income of $133K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.38%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
- OLEAN TEACHERS' AND POSTALOLEAN, NY · $10M–$50M87Health
- NY FIREFIGHTERS BRAVESTalbany, NY · $10M–$50M83Health
- TRI-LAKESSARANAC LAKE, NY · $10M–$50M87Health
- ALLEGANY FIRSTFillmore, NY · $10M–$50M80Health
- CANANDAIGUACANANDAIGUA, NY · $10M–$50M61Health
Compare Lockport Schools & Community vs OLEAN TEACHERS' AND POSTAL
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Lockport Schools & Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Lockport Schools & Community carries a financial health score of 88/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.75% net worth ratio and a 0.61% delinquency rate.
How does Lockport Schools & Community compare to other credit unions?
On PlainCU's health composite, Lockport Schools & Community lands at 88/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Lockport Schools & Community?
Lockport Schools & Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Lockport Schools & Community directly for the exact boundaries and application steps.
Is my money safe at Lockport Schools & Community?
Federal credit unions like Lockport Schools & Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Lockport Schools & Community's net worth ratio of 7.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lockport Schools & Community offer compared to banks?
Credit unions like Lockport Schools & Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Lockport Schools & Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.